Best Business credit cards

This card converts common business overhead into transferable travel points. Travel, shipping, telecom and social media or search advertising earn 3x on the first $150,000 in combined purchases each anniversary year. The welcome offer is 100,000 points after $8,000 in 3 months, the annual fee is $95 and there are no foreign transaction fees. Cell phone protection is built in because phone bills are paid with the card.

This card is built for businesses whose money goes to office supplies, telecom, gas and meals. The 5% and 2% tiers each apply to the first $25,000 in combined purchases per account anniversary year, worth up to $1,750 in annual category cash back at the caps. The current welcome offer is an elevated $1,000 after $8,000 in 4 months. Above the caps everything earns 1%.

This card suits owners who want business rewards without category management. Every purchase earns 1.5%, employee cards are free and new accounts get 0% intro APR on purchases for 12 months. The current welcome offer is elevated to $1,000 cash back after $8,000 in spend. It charges 3% on foreign transactions, so keep it domestic.

The Business Platinum Card serves businesses whose owners travel and whose budgets already include the credited vendors. It earns 5X points on flights and prepaid hotels booked on AmexTravel.com and 2X on key business categories and purchases of $5,000 or more, on up to $2 million per calendar year. Lounge access matches the personal Platinum. The $895 fee demands active use of the Dell, ChatGPT, Adobe, Indeed, wireless, hotel and airline credits.

The Business Gold Card adapts to your ledger: each billing cycle it applies 4X points to your top two of six eligible categories, from advertising to U.S. restaurants and gas stations, on up to $150,000 in combined purchases per calendar year. Credits for Walmart+, ChatGPT Business, Squarespace and a flexible FedEx, Grubhub and office supply credit can offset much of the $375 fee. Businesses with concentrated, shifting spend get the most from it.

The Blue Business Cash Card keeps business rewards simple: 2% back on everything up to $50,000 in eligible purchases per calendar year, then 1%, no categories to manage and no annual fee. A 0% intro APR on purchases for 12 months helps smooth early cash flow, and Expanded Buying Power lets you spend past the credit limit within Amex's flexible bounds. Heavy spenders will hit the $50,000 cap and should plan a second card beyond it.

The Blue Business Plus is the value pick of the Amex business family: 2X points on every eligible purchase up to $50,000 per calendar year with no annual fee. Points are full Membership Rewards, so they pool with a Gold or Platinum business card and transfer to airline and hotel partners. A 12 month 0% intro APR on purchases adds breathing room. Past $50,000, earning drops to 1X and heavier spenders need a second card.

This card is for small businesses that want travel miles without premium pricing. Every purchase earns 2X miles and Capital One Business Travel bookings earn 5X. A $50 travel credit, a $50 advertising or software credit and a $120 Global Entry or TSA PreCheck credit offset the $95 fee. The caveat: no lounge access; that lives on the Venture X Business.

This card is for businesses with real travel volume and the cash flow to pay in full monthly. It earns 2X on everything and up to 10X through Capital One Business Travel, with a $300 annual travel credit and 10,000 anniversary miles against the $395 fee. The caveat: the $30,000 welcome-offer spend requirement is steep for small operations.

This card is for businesses whose travel runs through American Airlines. AA purchases, telecom, cable, car rentals and gas all earn 2X, and employee cards feed the same account free. Spending $30,000 in a cardmembership year earns a domestic companion certificate. The caveat: it is AA-only value; mixed-airline travel fits a flexible miles card better.

This card is for business owners who fly Delta constantly and want lounge access, upgrade priority and the fastest MQD earning. It earns 3X miles on Delta purchases, 1.5X on transit, U.S. shipping and U.S. office supply stores, 1.5X on everything after $150,000 of annual spend, and 1X otherwise. The annual fee is $650. The caveat: Sky Club access is capped at 15 visits per Medallion Year unless you spend $75,000 in a calendar year.

This card is for business owners who fly Delta regularly and want status help without the Reserve price. It earns 3X miles on Delta purchases and at hotels, 1.5X on transit, U.S. shipping and single purchases of $5,000 or more (up to $100,000 combined per year), and 1X elsewhere. The annual fee is $350. The caveat: no lounge access, and the companion certificate is Main Cabin only and arrives after your first renewal.